Could Your Family Stay in Your Home If Something Happened to You?
Protect Your Home.
Protect Your Family. Prevent A Crisis.
01
Personalize
Mortgage Protection
Help protect your home and family by creating a plan designed to help keep mortgage payments manageable if life takes an unexpected turn.
02
Review
Income Protection
Your income protects everything you’ve built. Explore strategies designed to help safeguard your ability to provide for your family.
03
PLAN
Living Benefits
Life insurance options with living benefits may provide financial support during qualifying illnesses or health challenges while you’re still living.
04
Customize
Life Insurance
Help protect your loved ones’ financial future by creating a strategy designed around your family’s needs, goals, and responsibilities.
Your mortgage is probably your family’s largest monthly expense. If death, illness, disability, or an unexpected crisis interrupted your income, would your family be able to keep the home you’ve worked so hard to build?
The Prevent a Crisis™ Family Preparedness Initiative helps homeowners explore affordable insurance solutions designed to help protect their mortgage, income, and financial future.
✓ See If I Qualify
✓ Learn how to protect your family
Most families are only one crisis away from financial hardship.
Imagine if one of these happened tomorrow.
✓ Death of a spouse
✓ Serious illness
✓ Heart attack
✓ Cancer diagnosis
✓ Stroke
✓ Disability
✓ Job loss
✓ Unexpected medical bills
One event can quickly place enormous pressure on a family’s finances. While every situation is different, the right protection strategy can help reduce that burden and provide options when they’re needed most.
Mortgage Protection is Only the Beginning
UNEXPECTED ILLNESS
Many people think Mortgage Protection only pays off a mortgage after someone dies.
Many people think Mortgage Protection only pays off a mortgage after someone dies, that may be one solution. Protecting your family ofter requires a broader conversation to identify your unique concerns.
Benefits When Your Family is Protected
Keep the home
If crisis strikes, your mortgage protection helps you keep your home, preventing forced moves and preserving stability for your children.
Replace lost income
Life and disability coverage replace critical household income so you can keep groceries, utilities, and essentials paid while focusing on family.
Pay off mortgage
Targeted life insurance can eliminate part or all of your mortgage balance, securing ownership and lowering monthly expenses for your family.
Cover medical bills
Living benefits and critical illness payouts help you handle deductibles, copays, and out-of-network bills without draining savings or retirement accounts.
Disability income bridge
If injury or illness stops your paycheck, disability income protection provides monthly cash flow to maintain household stability during recovery.
Critical illness payout
A lump-sum benefit upon covered diagnosis gives you immediate funds for treatment, travel, caregivers, and family needs, reducing financial stress.
Protect retirement savings
Shield your retirement accounts from emergency withdrawals by using living benefits and insurance proceeds to cover unexpected costs during crises.
Home modification costs
Benefits help fund accessibility upgrades like ramps, wider doorways, and bathroom renovations so your home remains safe and functional after illness.
Children’s education protection
Preserve college savings by replacing income and expenses so tuition, tutoring, and activities stay on track for your kids.
Emergency cash access
Emergency financial planning organizes liquid reserves and rapid-benefit options so you can access cash quickly when life turns unpredictable.
Funeral and final expenses
Life insurance proceeds provide immediate funds for funeral, memorial, travel, and final bills, easing logistical pressure while your family grieves.
Childcare continuity support
Coverage helps fund reliable childcare or after-school programs, keeping routines consistent and allowing you to manage work and recovery demands.
Protect stay-at-home parent
Provide resources to replace household labor, transportation, and caregiving if your stay-at-home parent becomes ill, disabled, or passes away.
Debt payoff capability
You can use policy benefits to retire high-interest debts, freeing monthly cash flow and preventing creditor pressure during already difficult circumstances.
Safeguard credit score
On-time payments continue when benefits replace income, helping you avoid delinquencies and credit damage that raise future borrowing costs.
Special needs planning
Ensure dedicated funds for therapies, equipment, and respite care, protecting long-term support plans for your child with special needs.
Estate transfer simplicity
Life insurance creates instant liquidity, often bypassing probate, so your beneficiaries receive funds quickly to handle pressing obligations.
Preserve family wealth
Tax-advantaged death benefits and planning strategies help transfer assets efficiently, reduce administrative delays, and maintain liquidity for your surviving family priorities.
Surviving spouse stability
A coordinated benefits plan sustains household leadership transitions, funding counseling, legal help, and time off to organize your family’s next steps.
Job loss buffer
Emergency planning builds reserves and coverage alignment, cushioning short-term employment interruptions without derailing your mortgage, utilities, or key family commitments.
FREE Homeowner Protection Assessment
Every family’s situation is different, which is why we build personalized protection strategies—not one-size-fits-all solutions. Together we’ll review options that may help protect your family.
We’ll review:
✓ Current life insurance
✓ Mortgage balance
✓ Existing employer benefits
✓ Living Benefits
✓ Income Protection
✓ Retirement risks
✓ Beneficiary review
✓ Existing policies
✓ Gaps in protection